Idaho Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

At ABL, we offer specialized Fix & Flip loans designed specifically for you, Idaho investors looking to purchase, renovate, and resell properties for profit. Our 12-month interest-only bridge loans provide the flexibility you need to transform distressed properties, with rates typically ranging from 9.9% to 11.9% and fast closings as quick as 10 days. We’re ready to help you compete in hot markets across Boise, Meridian, and throughout Idaho.

  • Loan Term: 12-24 months
  • LTV: 90% of purchase, 100% of rehab
  • Loan Size: $75K - $50M
2 workers discussing fix and flip loan programs

New Construction
Loans

As Idaho continues to grow, we at ABL understand your need for reliable new construction financing. That’s why we offer specialized construction loan solutions to help you build your custom home. Our New Construction loans feature flexible one-time or two-time closing options with build times up to 20 months, allowing you to lock in your rate before breaking ground while only paying interest during the construction phase.

  • Loan Term: 12 - 24 months
  • LTV: Up to 70% for land, 100% for construction budget
  • Loan Size: $75K - $50M
Contractor building a house with a new construction loan

Rental
Loans

At ABL, we provide Idaho rental property loans, including DSCR options, that offer you simplified financing based on property cash flow rather than your personal income. Our 30-year fixed-rate loans require minimal documentation and are ideal for both long-term rentals and vacation properties in high-demand markets like Boise and Island Park. With competitive rates ranging from 5.50% to 10.50%, we’re here to support your investment strategy whether you’re a first-time investor or expanding your portfolio.

  • Loan Term: 30 years
  • LTV: Up to 80%
  • Average DSCR: 1.1
  • Loan Size: $75K – $5M
Rental property funded with dscr loans

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  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels
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Idaho Real Estate Market Highlights

Median Sale Price
$484,700
Feb. 2025
Median Days on Market
71 Days
Feb. 2025
Monthly Homes Sold
1,903
Feb. 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
11.4%
Feb. 2025
Avg Fix & Flip Gross ROI
4.5%
Q3 2024
Avg Fix & Flip Gross Profit
$18,627
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:
Denver Colorado DSCR Rental Loan
Cash Out Refinance
$1.30M
Denver, Colorado
Golden, Colorado DSCR Rental Loan
Cash Out Refinance
$1.70M
Golden, Colorado
Monument Colorado Fix And Flip Loan
Property Purchase & Rehabilitation
$1,300,000
Monument, Colorado
Fix & Flip — Single Family
View More Recently Funded

Real Reviews from Real Borrowers

 

Great experience! They always answered or returned my calls immediately and walked me through the entire process and made sure all my questions were answered. I had a couple of questions weeks after my loan closed and they still responded immediately and made sure I was taken care of. Great experience and I would highly recommend ABL.

Cindy G.

I am glad I got to know Asset Based Lending, they made funding for my construction site very simple. They have a great team of people, that would go out of their way to help. Boris has been great and very helpful, I highly recommend them for all your Construction financing needs.

Mike A.

I have had the pleasure of working with Boris Akbashev for my real estate financing needs on my last 10-15 projects, and I cannot speak highly enough of his professionalism and expertise. Boris demonstrated a deep understanding of the lending process and went above and beyond to ensure I secured the best possible terms.

John S.

Truly a pleasure having ABL on every deal! Thanks to their lending expertise and timely support and guidance throughout the process to get the best loan for my deals. I can see my company growth from 1-2 flips to numerous flips, new construction, and DSCR loan to grow my portfolio.

Pedro E.

Asset Based Lending is the place to shop for all your construction needs. Their easy funding policy, makes life so much simpler for any builder to focus on building and not be worried about financing project. Boris was supper helpful to accommodate me with all me financing needs.

Ray P.